Techniques are described relating to analyzing user transactions based on time of day of occurrence, and using time of a day as a factor in determining whether a new transaction should be allowed or disallowed. People may have particular tendencies to engage in transaction at certain times of a day. When a new transaction occurs that does not fit a previous pattern, this can indicate someone else has gained access to the account. Past times of transactions can be transformed to a two-dimensional representation that avoids discontinuity. A smoothed probability distribution can indicate a likelihood of whether a new transaction fits previous patterns. If a new transaction is unlikely due to time of day, the new transaction might be denied/prevented from completing. Denial of the transaction may also be based on additional factors besides the time of day.
Legal claims defining the scope of protection, as filed with the USPTO.
3. The system of claim 2, wherein the assigning the reduced probabilities of occurrence to the 2D time coordinates is further based on a kernel density estimation (KDE) function.
4. The system of claim 1, wherein the transaction risk model is configured to generate the risk score for the particular electronic transaction based on a plurality of transaction features different from a time of day feature for the particular electronic transaction.
5. The system of claim 1, wherein the particular electronic transaction comprises a database query.
6. The system of claim 1, wherein the particular time of day corresponding to the particular electronic transaction comprises a value corresponds to seconds in time, and wherein the particular position on the smoothed probability map is mapped based at least in part on the value corresponding to seconds in time.
7. The system of claim 1, wherein the particular time of day corresponding to the particular electronic transaction comprises a value corresponds to minutes in time, and wherein the particular position on the smoothed probability map is mapped based at least in part on the value corresponding to minutes in time.
9. The method of claim 8, wherein the first plurality of transactions comprises a number of transactions exceeding a threshold quantity.
11. The method of claim 8, wherein the particular electronic transaction is an electronic payment transaction, and wherein the monetary amount is an amount of currency to be transferred from the first user account to a second user account.
17. The non-transitory machine-readable medium of claim 16, wherein the assigning the reduced probabilities of occurrence to the 2D time coordinates is further based on a kernel density estimation (KDE) function.
18. The non-transitory machine-readable medium of claim 15, wherein the transaction risk model is configured to generate the risk score for the particular electronic transaction based on a plurality of transaction features excluding a day of time feature for the particular electronic transaction.
20. The non-transitory machine-readable medium of claim 15, wherein the particular electronic transaction comprises a database query.
Cooperative Patent Classification codes for this invention. Click any code to explore related patents in that topic.
June 28, 2019
August 2, 2022
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